Can't go wrong with custom leather. I happen to like TT Gunleather. He did a great job on my IWB holster and as soon as funds allow I intend to buy more from Tim.
I am also fan of Blackhawks CQC holsters. They make a standard holster for the XD (not just the Serpa).
BlackHawk CQC Level 1 Holster - Matte Finish - BLACKHAWK!
Three screws allow you to change the cant to five different positions: perpendicular to your waistline, two positions forward and two positions back (cross draw).
They do not snug up the XD to your body very well though.